Business Banking - Portfolio Manager I

Flagstar Bank N.A. is hiring a Business Banking - Portfolio Manager I to manage a portfolio of Small Business and Business Banking loans, supporting credit quality, compliance, and profitable growth. The role monitors borrower performance and portfolio risk, makes credit recommendations, and partners with relationship managers and credit officers to support client relationships and sound lending decisions.

Responsibilities

• Manage an assigned portfolio of Small Business and/or Business Banking loans, ensuring credit structures remain appropriate and in compliance with Bank Credit Policy
• Conduct periodic reviews of borrower performance, analyzing repayment capacity, leverage, and key risk factors to provide well-documented recommendations
• Proactively identify early warning signals and escalate issues, recommending modifications, renewals, or restructuring as appropriate
• Partner with SBC’s and Relationship Managers to deepen client relationships by providing credit expertise and supporting business development goals working with companies up to $10MM in revenue
• Engage with borrowers, attorneys, accountants, and other external advisors to validate financial performance and address portfolio issues
• Collaborate with Credit Officers and senior leaders to support credit decisions that balance client needs with prudent risk management
• Track the receipt of financial statements, tax returns, borrowing base certificates, guarantor information, and covenant compliance documentation
• Monitor adherence to financial covenants and loan terms, preparing detailed reports on portfolio risk trends and exceptions
• Ensure portfolio management activities adhere to regulatory and compliance requirements, mitigating risk exposure to the bank
• Uses independent judgement and discretion to make decisions
• Analyzes and resolves problems
• Performs special projects, and additional duties and responsibilities as required
• Consistently adheres to regulatory and compliance policies and standards linked to the job as listed and complete required compliance trainings. Accountable to maintain compliance with applicable federal, state and local laws and regulations

Benefits

• Medical, dental, vision, life, and disability insurance
• A comprehensive leave program

Company

• Regional bank serving consumer and business customers.
• Troy, Michigan, USA
• http://www.flagstar.com/
• Founded in 1987
• 5001-10000 employees

Qualifications

• Education level required: Undergraduate Degree (4 years or equivalent) in Business, Finance, or related field
• Minimum experience required: 2+ Years of experience in credit analyst, portfolio management or commercial/consumer lending
• Strong knowledge of financial statements and credit analysis techniques
• Proficiency in Microsoft Word, Excel, Outlook, and financial research tools
• Excellent analytical, problem-solving, and decision-making skills
• Strong written and verbal communication skills, with ability to influence and build trusted relationships
• Effective organizational skills and attention to detail; able to manage deadlines in a fast-paced environment
• Customer-oriented, proactive, and collaborative in approach to portfolio management
• Must be customer-oriented, self-motivated, entrepreneurial, and innovative
• Demonstrates a strong ability to build and maintain effective relationships with stakeholders by communicating clearly, engaging in proactive collaboration, and leveraging cross functional insights. Aligns relationship building efforts with enterprise goals to accelerate performance and drive strategic results
• Builds trusted client relationships, whether internal or external, by identifying needs and delivering tailored solutions to enhance the overall client experience
• Education level required: Undergraduate Degree (4 years or equivalent) in Business, Finance, or related field.
• Minimum experience required: 2+ Years of experience in credit analyst, portfolio management or commercial/consumer lending.

Required skills

• Credit Analysis, Financial Statement Analysis, Portfolio Management, Commercial Lending, Consumer Lending, Microsoft Excel, Microsoft Word, Microsoft Outlook

Experience

• 2+ years